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DD‚ÄčI Insurance Agency

24522 Harper Avenue

St Clair Shores, MI 48080

(313) 925-3216

My Blog

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UBER Driving

Posted on December 29, 2016 at 7:45 AM Comments comments (143)
UBER Driving, am I covered?

The simple answer, NO!
Even if your insurance company has an endorsement for UBER driving allowance, there is no coverage while using your vehicle in a commercial manor.

Your personal auto policy excludes any commercial use of your vehicle.  Some examples of commercial use? including but not limited to;
Uber, LYFT
Pizza or Newspaper delivery
Car pool for hire, driving passengers for a fee, including school children, doctor visits. If no fee or consideration exists there may be coverage.
Snow plowing

Another important note, these exposures can void your coverage even if the accident happens when you are not performing them.

"I was driving to my regular job, or running to the store, when the claim happened, this is my own personal use".  True, but the fact that you have the commercial exposure, at any time, still violates the contract of a personal policy and can be the basis on which a claim is denied.

So, before considering the extra money you may make, check your policy and speak with your insurance agent, (if they do not give this same answer, speak with another agent, please) and find out the cost of changing your insurance policy to a commercial one.

Remember, nothing is a "good deal", if it doesn't work, and your insurance policy needs to "work" for you.

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